IOSR-JBM   Volume-28 ~ Issue-2 ~ February 2026

Abstract: This study investigated the factors affecting electronic payment systems (EPS) adoption in Zambia using a sequential mixed-methods design combining quantitative and qualitative approaches. Data were collected from 987 participants across three provinces (Lusaka, Copperbelt, and Eastern) achieving a 92.5% response rate. Multiple regression analysis revealed that five factors collectively explained 67.9% of variance in EPS adoption (R² = .679, F = 416.82, p < .001). Technological infrastructure emerged as the strongest predictor (β = .298, p < .001), followed by trust and security perceptions.....

Keywords: Electronic payment systems, digital financial services, technology adoption, financial inclusion, mobile money, Zambia.

[1]. Alalwan, A.A., Dwivedi, Y.K., Rana, N.P. & Algharabat, R. (2018). Examining Factors Influencing Jordanian Customers' Intentions And Adoption Of Internet Banking: Extending UTAUT2 With Risk. Journal Of Retailing And Consumer Services, 40, 125-138.
[2]. Bandura, A. (1986). Social Foundations Of Thought And Action: A Social Cognitive Theory. Englewood Cliffs, NJ: Prentice-Hall.
[3]. Bank Of Zambia (2022). Financial Sector Development Report 2021. Lusaka: Bank Of Zambia.
[4]. Bwalya, K.J. (2023). E-Government Implementation In Local Government Authorities In Zambia: Assessing Implementation Progress And Challenges. Electronic Journal Of Information Systems In Developing Countries, 89(2), E12234.
[5]. Cao, X., Yu, L., Liu, Z., Gong, M. & Adeel, L. (2018). Understanding Mobile Payment Users' Continuance Intention: A Trust Transfer Perspective. Internet Research, 28(2), 456-476.

Abstract: Being a HR professional for almost a decade and a half, with experience in various sectors like IT, Manufacturing, Education, and Healthcare, I often wonder if we truly find the right candidates for the right jobs. Despite receiving hundreds of profiles for each vacancy posted, why do we still have unfilled vacancies for more than 90 days, or sometimes even half a year? This often forces us to go to extremes, such as altering job descriptions or compromising on experience. There are also situations where we recruit people with the intention of training them to meet our requirements.

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Abstract: Background: The leadership of an organisation has direct impact on the employee achievements which translates into the performance of employees, the culture of that organisation as well as employee satisfaction. It is therefore important for an organisation to put emphasis on an appropriate leadership style that will have positive results on employee performance. The case study sought to determine the relationship between different leadership styles and employee performance at....

Key Word: Leadership, Autocratic leadership, transactional leadership, transformational leadership, employee performance

[1]. Durbin D. Starbucks CEU Replaced By Brian Niccol, A Fixer Who Revived Chipotle When The Chain Was In Distress. 2024. Associated Press [2]. Puma Energy. Annual Report. 2024 [3]. Revill J, Naidu R. Nestle Replace CEO Schneider With Company Veteran Freixie. Reuters Article. 2024 [4]. Bass B, Avolio BJ, Jung DI, Berson Y. Prediction Unit Performance By Assessing Transformational And Transactional Leadership. Journal Of Applied Psychology. 2003; 88(2), 207-218. [5]. Yousef D.A. Organizational Commitment: A Mediator Of The Relationships Of Leadership Behavior With Job Satisfaction And Performance In A Non-Western Country. Journal, Of Managerial Psychology. 2000; 15(1), 6-24

Abstract: Mobile money has emerged as a critical instrument for advancing financial inclusion and fostering socioeconomic development in developing economies, particularly in Sub-Saharan Africa, where access to formal banking remains limited. This study examines the impact of mobile money services on poverty alleviation, gross domestic product (GDP), and rural development in Malawi, with specific reference to Airtel Money. Anchored in financial inclusion theory and development economics, the study adopts a mixed-methods research design integrating quantitative and qualitative approaches. Primary data were collected through structured questionnaires.....

Keywords: Mobile Money; Financial Inclusion; Rural Development; Poverty alleviation; Digital Finance; Airtel Malawi

[1]. Aggarwal, S., Klapper, L., & Singer, D. (2020). Fintech, Mobile Money, And The Financial Inclusion Of Micro And Small Enterprises. World Bank Policy Research Working Paper. [2]. Bhattacherjee, A. (2012). Social Science Research: Principles, Methods, And Practices (2nd Ed.). University Of South Florida. [3]. Chitsulo, L. (2022). Government Adopts Mobile Money For Social Cash Transfers. The Nation. [4]. Clifton, J. (2018). Financial Inclusion, Regulation, And Development. World Development, 105, 1–14. [5]. Finscope Malawi. (2019). Finscope Consumer Survey, Malawi 2019. Finmark Trust

Abstract: This systematic review synthesizes empirical evidence on the factors of entrepreneurial and venture-related intentions among students. A total of 33 quantitative studies were synthesised, covering a cumulative sample of 16,278 student respondents in Asia, Europe, and Africa. Based on reported correlation coefficients as the primary effect size measure, the review indicates an average correlation of r = 0.55, suggesting that the overall relationship between the investigated predictors and entrepreneurial intention outcomes is moderate to strong. Educational factors......

Keywords: Entrepreneurial intention, self-efficacy, Entrepreneurship education, Systematic review, Higher education students

[1] Abakpa, A., & Dvoulety, O. (2026). Relationship Between Entrepreneurship And Economic Growth In Nigeria. Journal Of Global Entrepreneurship Research, 16. Https://Doi.Org/10.1007/S40497-025-00485-W [2] Adeyemi, A. (2023). PREDICTORS OF ENTREPRENEURIAL INTENTIONS AMONG UNIVERSITY UNDERGRADUATES IN SOUTHWESTERN, NIGERIA. The Millennium University Journal, 8(1), 31–38. [3] Alam, M. Z., Kousar, S., & Rehman, C. A. (2019). Role Of Entrepreneurial Motivation On Entrepreneurial Intentions And Behaviour: Theory Of Planned Behaviour Extension On Engineering Students In Pakistan. Journal Of Global Entrepreneurship Research, 9(1), 1–20. [4] Alemu, K. S., & Ashagre, K. T. (2015). Determinants Of Entrepreneurial Intent Among University Students: A Case Of Ambo University. Journal Of Asian And African Social Science And Humanities, 1(3), 117–131. [5] Anjum, T., Amoozegar, A., Farrukh, M., & Heidler, P. (2023). Entrepreneurial Intentions Among Business Students: The Mediating Role Of Attitude And The Moderating Role Of University Support. Education+ Training, 65(4), 587–606

Abstract: Commercial banks in Zambia face intensifying competition from fintech companies, mobile money operators, and other non-bank financial institutions, making the adoption of sound strategic management practices a critical determinant of organisational survival and performance. Despite this acknowledged importance, empirical evidence interrogating the specific mechanisms through which strategic management influences bank performance in Zambia remains limited. This study examined the influence of four strategic management practicesstra.....

Keywords: strategic management, commercial banks, organisational performance, strategy implementation, Zambia, banking sector

[1]. Akingbade, W. (2017). Impact Of Strategic Management On Corporate Performance In Selected Indigenous Small And Medium Scale Enterprises In Lagos Metropolis. Unpublished Thesis, Lagos State University. [2]. Ansoff, H. I. (1965). Corporate Strategy: An Analytic Approach To Business Policy For Growth And Expansion. Mcgraw-Hill. [3]. Bailey, K. (1994). Methods Of Social Research. The Free Press. [4]. Barney, J. B. (1991). Firm Resources And Sustained Competitive Advantage. Journal Of Management, 17(1), 99–120. Https://Doi.Org/10.1177/014920639101700108 [5]. Bassa, T. (2015). Practice Of Strategic Planning And Strategy Implementation In Ethiopian Public Organisations. Addis Ababa University

Abstract: The Industry 1.0–6.0 sequence is often presented as a technological progression. This reading is useful but not sufficient when the object of analysis becomes the governance of transformation into complex and interdependent socio-technical systems. This contribution takes as its normative pivot the definition of Industry 5.0 contained in UNI/PdR 155:2023, including its interpretative framework, to show how the 5.0 paradigm introduces a governance criterion that integrates....

Keywords: Industry 5.0, Industry 6.0, generative capacity, governance, distributed autonomy, sustainability, circularity, antifragility, common good, Harmonized Structure

.[1]. Uni. (2023). Uni/Pdr 155:2023 - Gestione Dell’innovazione Sostenibile. Linee Guida Per La Gestione Dei Processi Di Innovazione Sostenibile Nelle Imprese Attraverso L’open Innovation. Ente Italiano Di Normazione. [2]. European Commission, Directorate-General For Research And Innovation. (2021). Industry 5.0. Towards A Sustainable, HumanCentric And Resilient European Industry. Publications Office Of The European Union. [3]. European Commission, Directorate-General For Research And Innovation, & Expert Group On The Economic And Societal Impact Of Research And Innovation (Esir). (2021). Industry 5.0, A Transformative Vision For Europe. Governing Systemic Transformations Towards A Sustainable Industry (Esir Policy Brief No. 3). Publications Office Of The European Union. [4]. European Commission, Directorate-General For Research And Innovation. (2023). Industry 5.0 And The Future Of Work: Making Europe The Centre Of Gravity For Future Good-Quality Jobs (Esir Focus Paper). Publications Office Of The European Union, Luxembourg. Https://Doi.Org/10.2777/685878. [5]. European Economic And Social Committee, Opinion Of The European Economic And Social Committee (2025). Industry 5.0 – How To Make It Happen (Own-Initiative Opinion), Oj C/2025/108, 10.1.2025, Eli: C/2025/108

Abstract: This research paper investigates the extent to which advancements in Artificial Intelligence (AI) are transforming employment opportunities, skill requirements, creative collaboration, and job displacement in the music industry. Using secondary research—including academic studies, industry reports, and case studies of companies such as Spotify, LANDR, and Amper Music—the paper analyses how AI tools are reshaping composition, production, marketing, and music consumption. Findings indicate that AI creates new roles in data analysis, digital production, and machine-learning development while increasing the demand for hybrid creative-technical skills. At the same time, tasks involving repetitive or low-skill work face a higher risk of automation. The research concludes that AI is not simply replacing human creativity but redefining it, creating a future where human musicians and intelligent technologies collaborate to drive innovation in the industry.

[1]. Brynjolfsson, Erik, And Andrew Mcafee. The Second Machine Age: Work, Progress, And Prosperity In A Time Of Brilliant Technologies. W. W. Norton & Company, 2014. [2]. Haenlein, Michael, And Andreas M. Kaplan. “A Brief History Of Artificial Intelligence: On The Past, Present, And Future Of Artificial Intelligence.” California Management Review, Vol. 61, No. 4, 2019, Pp. 5–14. [3]. IFPI. Global Music Report 2023. International Federation Of The Phonographic Industry, 2023. [4]. Mckinsey & Company. The Future Of Work In The Digital Era. Mckinsey Global Institute, 2022. [5]. Mulligan, Mark. AI And The Music Industry: Understanding The Impact. Midia Research, 2023

Abstract: In recent years, effective corporate governance has gained increasing importance in enhancing healthcare service delivery (HSD), particularly within National Government Referral Hospitals (NGRHs) in Kenya. However, despite the adoption of corporate governance practices, significant challenges in the delivery of healthcare services persist, raising concerns about the effectiveness and implementation of these governance mechanisms.....

Keywords: Corporate governance, Healthcare service delivery, Stakeholder Theory, Resource-Based View Theory and Contingency Theory

[1]. Abba, M., Gichuru, A., & Otieno, D. (2018). Leadership And Stakeholder Engagement In Healthcare Governance: A Framework For Improving Health Outcomes. International Journal Of Healthcare Governance, 15(2), 35–48.
Https://Doi.Org/10.1234/Ijhg.2018.15.2.35
[2]. Abdi, H., Mohamed, A., & Hassan, M. (2023). Healthcare Delivery And Performance Assessment In Public Hospitals: A Case Of Kenya. International Journal Of Health Services Research And Policy, 18(1), 32–45. Https://Doi.Org/10.1234/Ijhsrp.2023.18.1.32
[3]. Abu, M., & Bamidele, A. (2022). The Role Of Boards Of Directors In Healthcare Organizations: Legal Compliance And Accountability. Journal Of Healthcare Administration, 24(4), 205–220. Https://Doi.Org/10.1234/Jha.2022.24.4.205
[4]. Alawag, A. M., Alaloul, W. S., Liew, M. S., Musarat, M. A., Baarimah, A. O., Saad, S., & Ammad, S. (2023). Critical Success Factors Influencing Total Quality Management In Industrialized Building System: A Case Of Malaysian Construction Industry. Ain Shams Engineering Journal, 14(2). Https://Doi.Org/10.1016/J.Asej.2022.101877
[5]. Aliow, G. H., Mwaura, T. W., & Musa, O. (2021). Factors Affecting Medical Equipment Utilization In Health Service Delivery In Mandera County Referral Hospital. Journal Of Nursing And Health Science, 10(4), 13-20.
Https://Doi.

Abstract: The current hypermarket market is gradually becoming saturated, and operators face fierce market competition. How to enhance competitiveness, improve service quality, and attract more customers to generate better revenue is the most important issue for operators today. This study used a questionnaire survey of customers of R hypermarket as the subject, and based on the SERVQUAL service quality scale proposed by Parasuraman et al. (1988), it assessed customers' expectations and actual feelings about service. The study first used IPA (Importance.....

Keywords: Hypermarkets, Kano model, service quality

[1]. Antony, J., Antony, F.J., Ghosh, S., 2004. Evaluating Service Quality In A UK Hotel Chain: A Case Study. International Journal Of Contemporary Hospitality Management,16, 380-384.
[2]. .Chung Y.C., Chen H.C., 2015. Study On The Correlation Among Service Quality, Relationship Quality And Customer Satisfaction– A Case Study Of H Hotel. International Journal Of Latest Research In Science And Technology, 44(4), 1-7.
[3]. Deng, W.J., Lee, Y.C., 2007. Applying Kano Model And IPA To Identify Critical Service Quality Attributes For Hot Springs Hotel In Peitou. Journal Of Quality, 14(1), 99-113.
[4]. Hansen, E., Bush, R.J., 1999. Understanding Customer Quality Requirements: Model And Application. Industrial Marketing Management, 28(2), 119–130
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Abstract: In the contemporary knowledge-driven service economy, human capital has emerged as the most significant asset contributing to organizational effectiveness and long-term sustainability. This is particularly evident in the tourism industry, where service quality, customer satisfaction, and business performance are largely dependent on employee competencies, skills, knowledge, and attitudes. The tourism industry is one of the fastest-growing service sectors and plays a vital role in employment generation and economic development. The present study aims to examine the significance of Human Resource Accounting practices in the tourism industry and analyze the impact of human capital investment on organizational performance. The study adopts a descriptive research....

Key Words- Human Resource Accounting, Tourism Industry, Human Capital Investment, Investment in Human Resources, Methods of Human Resource Accounting, Service Quality, Employee Performance, Organizational Efficiency, Human Resource Management, Sustainability, Customer Satisfaction.

[1]. Agrawal, Kamal C. (2017). Human Resource Accounting (HRA) Practices In Era Of Globalization. Review Of Research, 6(11). ISSN: 2249-894.
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[4]. Chauhan, C., Guleria, Sandeep, & Sharma, Shikha (2024). Study On The Impact Of Human Resource Accounting (HRA) On Employee Satisfaction And Retention: A Study In The Hotel Sector Of Chandigarh. Proceedings Of The International Conference On Innovation And Regenerative Trends In Tourism And Hospitality Industry (IRTTHI 2024).
[5]. Dhar, Antara, & Singh, Amit Kumar (2021). Review Of Human Resource Management Practices In Hotel Industry. Online Journal Of Qualitative Inquiry (TOJQI), 12(3), 4100–4108